Loan Protection Insurance Is Still Worthwhile Considering Despite The Bad Publicity By Simon Burgess

Despite the bad publicity surrounding loan protection insurance it is still worthwhile considering whether a policy would be in your best interests. The cover has come under fire but it is not the actual product that should be the cause for concern but rather those who sell it with very little experience.

The majority of policies that are mis-sold are bought alongside loans at the time of taking out the borrowing and high profits have been put ahead of the consumers’ best interests. This is not surprising when you consider that high street lenders bring in profits of over £4 billion each year when selling payment protection insurance policies alongside loans and mortgages. Cover bought alongside loans often comes with the highest premiums and by choosing to take out the cover independently you can make huge savings on the cover along with getting the information needed to make an informed decision.

It is the exclusions which have caused the majority of problems - or rather the lack of knowledge about them at the time of being sold the policy. Exclusions which are common to the majority of loan insurance policies include being in part time employment, suffering a pre-existing medical condition, being of retirement age or working only part time. There can be others set out by the provider so it is essential that when you compare quotes for the cover you also compare the exclusions. The exclusions can be found in the small print of the policy and a specialist provider will always offer this information before you buy the cover.

Providing loan protection insurance is suitable for your circumstances then it can give you a tax free income with which to pay your monthly loan repayments and so keep out of debt. If you were to come out of work through suffering an accident, illness or through such as unemployment then you would still have to continue repaying your loan or credit card each month. Without a lifeline you could find yourself getting into debt or worse.

Cover could begin to payout from between the 31st and 90th day of being continually out of work and would then last for between 12 and 24 months depending on the provider. This means that you would not be struggling where to find the money each month and have peace of mind until you got back on your feet and back to work.

Sticking with an independent specialist provider you can be sure that you will get the information needed to be sure that a policy would be suitable for your needs. Along with this you will get the cheapest quotes possible for the cover which will be based on your age at the time of taking out the policy and the amount your loan repayments are each month. Always avoid taking out the cover alongside your loan and make sure that you check the cover has not been included in with the cost of the loan or credit card as some lenders will give you a quote for the loan with loan protection insurance already included.

Resource: http://www.isnare.com/?aid=210619&ca=Finances

Finding That Elusive Cheap Loan Protection Insurance By Simon Burgess

Cheap loan protection insurance can be found but you have to go online with an independent standalone provider of the cover rather than take it out at the same time as taking out borrowing. Very often loan protection is pushed by high street lenders alongside their so-called 'cheap' loans for huge profits which earns them a staggering £4 billion in profits a year. When sold this way very little information is often given out regarding the exclusions which has meant consumers have bought cover they could not claim against.

Loan protection insurance is taken out to insure against the possibility that sometime in the future you might come out of work due to suffering from an accident, sickness or through unemployment. If this is the case and you have large loan repayments to make each month you could seriously be left struggling to find the money.

Providing you have read the terms and conditions of the policy, the cover would give you a tax free income after being out of work for a period of time. This period differs from provider to provider but can be between the 30th and 90th day. Cover would then last between 12 and 24 months which is usually more than enough time for you to get back on your feet and back to work.

All cheap loan protection insurance policies will have exclusions within them which means you might not be eligible to make a claim. There are some which are common to all policies and others are defined by the provider. Common exclusions include being in part time employment, suffering an ongoing illness, being of retirement age or if you are self-employed.

It is essential that you do check the terms and conditions because this is where you not only find the exclusions which can help you to determine if the cover is suitable but also the terms and conditions of the cover. Mis-selling of loan protection was highlighted in 2005 when the Citizens Advice made a super complaint to the Office of Fair Trading (OFT). Following this the Financial Services Authority began an investigation which is still ongoing along with the OFT referring the sector to the Competition Commission.

While there has been some improvement in the sales practices, clearly many more changes for the better need to be made in the future. In March 2008 there will be the introduction of comparison table which it is hoped will make payment protection products more transparent. The table will ask a series of questions and from the answers consumers will be able to tell which of the payment protection products is most suited to their circumstances. Along with this they will highlight the exclusions which will make it easier for the consumer to see if they are eligible to claim and will tell the consumer how much the cover will cost.

Cheap loan protection insurance is hard to find with the high street lender but a specialist in payment protection will offer among the cheapest premiums for what could be a lifeline if you were to lose your income.

Resource: http://www.isnare.com/?aid=210607&ca=Finances

How To Compare Low Cost Health Insurance In West Virginia By Alexis Jensen

For more than 50% of all West Virginia households the idea of low cost health insurance is something of a misnomer, because at least half of all West Virginia households report that paying for health insurance is a severe strain on their monthly budget - and approximately 16% of all West Virginia families can't afford any health insurance at all.

Hopefully this article will shed some light on ways that almost every family in West Virginia can compare and find low cost health insurance without breaking the family budget.

It should come as no surprise that health care costs less for healthy people. One way to save money on health care and to see the doctor less frequently is to eat right and to get plenty of sleep and exercise. Eating right means giving up fast food and fried food - except in very limited quantities. Exercise doesn't have to mean buying the latest infomercial fad - exercise can mean walking briskly around the block or joining a walking group that walks in the mall every morning. Exercise can mean riding your bike to do errands around town and leaving your car at home.

It should also come as no surprise that smoking and using any form of tobacco is not only bad for your health but it will also cost you considerably more in health insurance costs. If you are sincere about comparing and finding truly low-cost health insurance then you can't continue to smoke.

It also means you may have to lose weight. Your BMI (Body Mass Index) is one way health insurance companies determine your monthly insurance premium. The lower your BMI the less you are going to pay. Losing even a few pounds could - hopefully - drop you a notch on your insurance company's BMI meter and if that happens you could save hundreds of dollars each year.

Find group health insurance. Group health insurance may be less picky about your weight and smoking habits and group health insurance is almost always cheaper than individual health insurance. If your place of employment doesn't offer low-cost group health insurance try asking at any clubs, organizations or associations that you belong to - if that fails ask friend and family if any groups or clubs they belong to offer members group health insurance . If so - join!

Joining an HMO or a PPO can save you a considerable amount over buying health insurance as an individual, but be prepared for the possibility that you may have to give up your favorite doctor - unless your doctor happens to be a member of the HMO or PPO you want to join.

Don't take part in extreme or dangerous sports. Also, if you drive a fast sports car, it may be time to sell it - at least it is if you are serious about finding affordable health care.

Pay your premiums automatically out of your checking account. If your insurance company doesn't have to prepare a bill for you every month they'll pass the savings in to you.

If you are self employed or have a home-based business ask your tax advisor if all or a portion of your health insurance premiums can be tax deductible. A tax savings could make your health insurance a whole lot more affordable.

Buy your drugs over the internet. You might be surprised at the savings you can realize on most drugs if you purchase them over the internet.

Increase your deductible. Obviously you can only do this is your budget will allow it, but increasing your deductible is probably the fastest and most sure way of lowering your cost of health insurance.

Buy your health insurance over the internet. There are literally dozens of websites that encourage you to compare prices on health insurance between different insurance companies. Just don't make the mistake of thinking that you only have to make your comparisons on just one site.

If you're serious then be prepared to make comparisons on at least 3 different websites and also be certain that you input the exact same answers in the forms on all three sites you've chosen. This way you can be sure that your 'comparisons' actually have a value for you.

Once you've finished all of your comparisons then comes the fun part - reviewing all of your results and choosing the best price you can find. This is how anyone can become an expert and compare low cost health insurance in West Virginia and find the very best and lowest price for health insurance possible.

Resource: http://www.isnare.com/?aid=210584&ca=Finances

How To Get Cheap Health Insurance Online In Alabama By Alexis Jensen

The cost of health insurance here in Alabama is of great concern to many people. Right now approximately 16% of all residents of Alabama don't have any health insurance due primarily to cost and of those who do have health insurance fully 50% report that the cost of their monthly premiums are a severe financial burden.

It can seem as if there isn't even a way to get cheap health insurance online in Alabama, but things may not be quite as dark as they first appear.

To begin with, Alabama has a rather liberal state-sponsored low-cost health insurance for children, college students, pregnant women and others as well. To see if you or a member of your family might qualify for this low-cost insurance simply go to: http://www.adph.org/allkids/

Fortunately there are other things you can do to help keep the cost of your health insurance within reach. Obviously group health insurance is going to be cheaper than individual health insurance. If your place of employment doesn't offer group health insurance check with any clubs, organizations or associations that you belong to. Sometimes a group that you would never think of will offer low-cost group coverage.

Ask family, friends and neighbors if any of them belong to any groups or clubs or organizations that offer group health insurance. If so, consider joining. Even some religious organizations offer group health coverage - ask.

Have you considered joining an HMO or a PPO? While the savings can be tremendous you sometimes have to give up seeing your trusted doctor. This is more true with HMOs than it is with PPOs, but it is not always necessary to switch doctors; ask your doctor if he or she is a member of an HMO or approved by a PPO.

If you have a home business it is sometimes possible to get group health insurance even if your only employee is your spouse. Even if you cannot get group insurance it is quite possible that your individual insurance premiums can be written off of your taxes - figuring in your tax savings can make even individual health insurance affordable in many cases.

Don't smoke and don't use chew. If you currently use tobacco products, quit. If you used tobacco products when you first signed up for health insurance but you have since quit, let your agent know and you could get a serious reduction in your monthly insurance premium.

If you are overweight you are going to pay more for your health insurance. Insurance companies have a sliding premium scale that is based in part on your BMI (Body Mass Index). The good news is that even a small reduction in your BMI may move you down a notch on the insurance company's payment scale and could save you hundreds of dollars a year on your insurance. Every pound you can drop helps!

Don't participate in extreme sports or hobbies and if you drive a fast sports car, give it up if you are serious about getting cheap health insurance.

How much of a co-payment do you make when you see your doctor? If you can possibly afford to make a 50% co-pay you will save a lot on your health insurance every month. If you don't see your doctor very often each year this could be a way to save quite a bit of money.

Can you afford to increase your deductible? Again, this is an important question and you should give it some serious thought because your deductible represents cash that you have to come up with every year to pay for your own medical care before your insurance company will begin to pay. Don't promise to pay more than you can actually afford.

Now get online and find 3 websites that allow you to compare the costs of health insurance from different insurance companies. Using the tips you have gotten from this article enter the exact same information onto the form on at least 3 comparison websites and then simply pick the best price you can find. That's how simple it is to get cheap health insurance online in Alabama!

Resource: http://www.isnare.com/?aid=210591&ca=Finances

Credit Cards, Mortgages And The Financial Impaired Get Relief By Simon Calloway

The Federal Reserve Bank is currently researching ways in which to provide much needed relief for the sub-prime housing crisis that is tearing apart consumers particularly in the mid-west states where job losses are occurring very heavily, mainly due to lay-offs in the auto manufacturing industry.

In the coming weeks, the Federal Reserve will be proposing new regulations in advertising financial offers such as credit cards and mortgages particularly in regards to disclosures. The Federal Reserve will be looking into how to outlaw unfair or deceptive advertising practices deployed by the financial sector.

Here is a break-down of what the Federal Reserve has been and will be doing to protect consumers from unscrupulous lenders that prey on people who are less informed.

1. Coordinated enforcement of consumer protection laws

The Federal Reserve has been involved in researching, monitoring and examining sub-prime credit card and mortgage lenders through a cooperative initiative with individual state regulators. The Federal Reserve is continually reviewing consumer protection laws for compliance as well as review the terms by which sub-prime lenders grant loans to consumers.

This is an excellent initiative by the Federal Reserve because the end result will be fewer bad loans being issued.

If you are a sub-prime consumer, on the surface this may sound bad, however it is a good thing because you will not end up in a situation where you have a line of credit which you can’t afford to repay. You are much better off getting rejected for credit than having to try to pay for a loan that you simply can’t afford.

2. Loss mitigation efforts

The Federal Reserve is working with lenders to set guidelines for restructuring loans that are in delinquent and could be facing foreclosure and keep the consumer in their home while providing the lender ongoing recovery of the loan.

Note: If your mortgage is up for renewal soon, you may want to take a proactive stance and call your bank as soon as possible to negotiate your options in order to stay in your home. There is legislation in place to help you keep your home a prevent bankruptcy.

3. Consumer protection regulations

The Federal Reserve will use it’s authority under HOEPA (The Home Ownership and Equity Protection Act) to devise rules and regulations to prevent unfair or deceptive advertising practices particularly to the sub-prime market.

While it’s nice that the Federal Reserve is looking out for you, it’s best to educate yourself and take responsibility for your choices. If you start learning about finances right now and avoid taking on too much debt you are going to live a much happier life.

Having a house that you can’t afford is far worse than renting an apartment that you can afford. Live within your means, by that, I mean spend less than what you make and all will be fine. Go outside what you can afford and you will know stress far beyond what you ever care to experience.

Legislative Responses to the Sub-Prime Lending Crisis

To address the shady lending practices Congress is working on legislation to encourage responsible lending. One such action taken is The Mortgage Reform and Anti-Predatory Lending Act of 2007.

The Mortgage Reform and Anti-Predatory Lending Act of 2007 is very new, I believe that this act came into existence in October and there are issues that still need to be addressed in the act. The good news is there is forward motion to affect change in lending.

One modification to the bill that is being considered now is how loan modification or workout plans are performed. Lenders are already reaching out to clients to help avoid bankruptcy and it will be interesting to see how the Mortgage Reform Act develops and transforms into a law that will be beneficial to both lenders and borrowers.

Another modification that is relates to stiffer penalties for lenders that continue to use deceptive advertising practices to lure you into their loan offers. By levying heavy fines on organizations that engage in advertising that is confusing and misleading the financial consequences will certainly help to curb the problem.

Closing thoughts from the editor-in-chief at Crediteria.com

While it’s wonderful that there is legislation in the works to help consumers in the sub-prime market, it’s a sign of poor financial education.

America is failing to educate people about finances and this is the core problem. Consumers take on bad loans when, if properly educated, would never do so.

It’s time for the American school system to incorporate real world education about credit cards and loans starting at a young age so the future of America will not be doomed to the same fate as millions of people are suffering right now.

If you are a sub-prime consumer and you are reading this right now, make a point of taking responsibility and getting the education you need. Consider a trip to your local library and start reading about how money works. I strongly recommend that you start your financial education by reading “Rich Dad, Poor Dad” by Robert Kiyosaki. Robert talks a lot about financial intelligence, he writes in a very easy to read format and explains things in terms that anybody can understand.

Resource: http://www.isnare.com/?aid=209987&ca=Finances

Consider Cheap Mortgage Insurance For Your Peace Of Mind By Simon Burgess

Cheap mortgage insurance can give you peace of mind and the income needed to continue repaying your mortgage without worry of losing your home if you were to become without an income. If you were to find yourself out of work due to an accident or becoming ill or if you were unfortunate enough to be made redundant the cover could be a safety net until you got back to work.

The majority of policies would start to provide you with a monthly income which would be tax free once you had been out of work for between 31 and 90 days, this depends on the provider. It would then continue for between 12 and 24 months. While taking out cheap mortgage protection can give peace of mind you do have to make sure that it is suitable for your circumstances because there are exclusions.

If you are only working part time, are self-employed, suffering a pre-existing illness or you are of retirement age then mortgage insurance would not be in your best interest. While these exclusions are the most common to all payment protection policies there can be others which are defined by the provider. This means it is essential that you have to read the terms and conditions outlined in the policy before taking out the cover.

Mortgage payment protection insurance (MPPI) has earned itself a bad reputation along with the rest of the family of protection policies but it is not the actual products themselves which should be blamed. When taken out with the correct information so you can make sure it is suitable for your circumstances a policy will do the job it is supposed to do. Mis-selling of policies occurred due to providers using poor selling techniques with the majority being sold alongside a mortgage. Not only do you not get the information needed but buying cover this way is also the dearest way of buying protection. Problems were highlighted within the sector in 2005 after a super complaint was made to the Office of Fair Trading (OFT) and the Financial Services Authority began an investigation before the OFT referred the sector to the Competition Commission who is currently conducting an in-depth review.

Some consumers are not even aware that they can take out the cover independently from a standalone provider and shop around for the cheapest premiums. Premiums for the cover are based on the amount of cover you need for your mortgage and your age at the time of taking out the cover but it does vary from provider to provider. An independent standalone provider will always offer cheap mortgage protection and should also include the information and key facts of the policy so you are able to determine if it is suited to your circumstances.

Just as the cost of the cover varies with providers so does the exclusions and terms and conditions so it is essential that you compare every cheap mortgage protection policy you are thinking of taking out not just for the cheapest quotes. Until the comparison charts appear in March 2008 which should open up the cover and explain the exclusions, the cost of the cover and which cover is most suitable, going with a specialist is your best option.

Resource: http://www.isnare.com/?aid=210608&ca=Finances

Accessing Information About Tax Services By James Brown

The Federal, State, and local Governments have established a long list of publications to help taxpayers learn about the tax system. Businesses need access to a variety of tax services to perform daily business operations and these publications will teach small business owners how to fill out tax forms correctly. Tax services are provided free of charge to those that contact the Government agency for guidance by telephone or through regular or electronic mail services.

Government agencies will provide tax services such as audits when discrepancies are noted on individual or corporate tax returns each year. This is one tax service that every American wants to avoid because penalties can be accessed for errors and audited tax forms usually mean that the taxpayer will owe additional monies. Some people might rely on a tax consultant for advice before they will attempt to file taxes on their own and this expense is justified by corporations who amass millions of dollars in revenue each year.

Accountants will use these tax forms throughout the year to ensure that all taxes are paid on time because late payments will accrue late charges that could result in the company paying thousands of dollars in penalties. The publications will contain tax schedules that might seem confusing at times, but with one simple telephone call the accountant can verify if the tax computations in use are the correct ones.

Millions of people in the United States will order publications to help them prepare tax returns every year. The Internal Revenue Service provides a limited amount of tax services directly with the public but will provide publications that explain tax-filing procedures completely. Many publications will contain sections for handling frequently asked questions and taxpayers can contact the Internal Revenue Service by email if some information is still unclear.

Tax laws change every year and preparing tax returns can be perplexing to many people. Many taxpayers will place the responsibility for preparing tax returns each year in the hands of a tax services specialist. Every tax specialist is thoroughly trained in business and individual tax filing needs and those that prefer to fill out tax forms on their own can arrange to attend classes on tax preparation. Accessing information about these classes is as easy as reading advertisements in local papers.

Taxpayers who prefer to file taxes electronically have access to a wealth of information on taxes in the database contained on the tax preparation software. The databases will clarify every factor concerning taxes in a block-by-block breakdown. The computer program will query taxpayers on the information that is needed to complete tax forms such as personal information requirements, business assets, incomes, inventories, and charitable contributions.

Accessing information about tax services through the internet search engines is an easy way for taxpayers to keep current with the current tax structure. Some taxpayers need more information on paying a tax debt and through the internet they can find tax service help that is provided by financial professionals that were previously employed by the Internal Revenue Service and are thoroughly familiar with the way audits are done.

Resource: http://www.isnare.com/?aid=211025&ca=Finances

Fix Bad Credits And Debts With Bad Credit Debt Consolidation By Alex Jonnes

Do you have bad credit score? Do you look forward to consolidate your debts with bad credit score? If yes then bad credit debt consolidation is the ideal option for you. With bad credit debt consolidation all bad credit borrowers can avail loan for debt consolidation.

As time changed so has the attitude of lenders towards borrowers having bad credit scores. Borrowers having credit scores of below 600 are said to be bad credit borrowers. The reason for having less then perfect credit score of borrower is because of CCJs, defaulters, arrears, IVAs etc. Nowadays having bad credit history is common scenario and the number of people having bad credit history is increasing. Lenders easily grant loan amount to borrowers having less than perfect credit score on flexible terms.

Bad credit debt consolidation sums up all debts and grants loan amount against his aggregated debts. Borrowers with debt consolidation pay interest rates that are lower than what you are currently paying and thus save significant money each month. This saved money can slowly and gradually be used to pay off the previous debt.

The main advantage of bad credit debt consolidation is that it helps borrower to improve upon his credit scores. If the borrower in debt abides the terms of repayment for the loan and pays his installments on time, then it gives him a chance to improve upon to his credit history. This improved credit history helps the borrower next time he applies for the loan.

Bad credit debt consolidation is of two types secured and unsecured bad credit debt consolidation. Secured bad credit debt consolidation requires borrower to place collateral against the loan amount. The collateral placed can be home, vehicle or any valuable asset of the borrower. The loan amount obtained in secured bad credit debt consolidation is large as compared to unsecured one. Unsecured bad credit debt consolidation does not require borrower to pledge assets as security for the loan amount. Non placing of collateral helps all the tenants and non homeowners to get loan easily.

Bad credit debt consolidation can be availed online. This online feature gives borrower a chance to research easily in the open market for the best suited option before setting down on a deal.

There are many private companies and lenders that offer debt consolidation for bad credit borrowers online. However borrower should research in open market before finalizing a particular deal with a particular lender.

Bad credit borrowers now can relax without caring much about their debts as with bad credit debt consolidation. Borrowers get plenty of options to consolidate your worries i.e. your debts with bad credit debt consolidation.

Resource: http://www.isnare.com/?aid=128791&ca=Finances

Consumers Confused When It Comes To Buying Critical Illness Insurance By David Thomson

Critical illness insurance is taken out to insure against the possibility of an individual being diagnosed with a critical illness sometime in the future. With advancements in medicine more people who are diagnosed with a critical illness are recovering from the illness but their finances could be stretched to the limit and life could be harder than it has to be.

The cover will pay out if you are diagnosed with any of the critical illnesses which are outlined in the policy, the actual illnesses will vary on the policy but common ones include being diagnosed with cancer, suffering a stroke, a heart attack or having to have an organ transplant. However consumers are sometimes getting confused when it comes to taking out critical illness insurance, and end up buying cover that does not give them adequate protection.

Some providers of the cover are selling a policy for huge premiums that gives very little protection and can have many exclusions in it that offers very poor value to the consumer. It is the small print in the policy which is causing the majority of problems with a policy; very little information is often given regarding them which mean that the consumer is buying cover that they do not understand.

While critical illness insurance when taken out with the small print in mind will payout a tax free lump sum on diagnosis of a critical illness, it was recently reported that around 25% of all claims made against a policy are rejected due to the exclusions. At a time when the individual needs financially security and peace of mind that they will be able to continue repaying their mortgage and essential outgoings many are being left with the added stress of finding they cannot claim.

It seems that many providers of the cover will do anything possible to squirm their way out of paying out on a claim, excuses such as drinking more alcohol than stated on the form and not reporting minor problems before being diagnosed have all been made. It is essential when taking out the cover that you know exactly what you are buying before you purchase and take care when filling in the forms associated with the cover so that you disclosed everything necessary relating to your health.

Just as with payment protection cover which is being investigated by the Financial Services Authority, critical illness cover has seen a rise in the amount of claims against firms selling inadequate critical illness insurance. Many of these claims were based on the fact that the provider failed to make the consumer aware of the exclusions and small print in a policy at the time of being sold the cover.

Critical illness cover can help you at as key time in your life you have read the key facts and small print of the policy and the best way to get the essential advice needed is to go with a specialist broker. The cover can be pushed alongside the loan or mortgage but this is the riskiest and most expensive way of buying the cover. A specialist broker can get you a good quality critical illness insurance policy while at the same time gathering the key facts so that you can determine if a policy would be suitable for your circumstances.

Resource: http://www.isnare.com/?aid=210323&ca=Finances

Getting Your Hello Kitty Checks By Mads Petterson

Hello Kitty is one of the most favorite cartoons in the Sanrio collection. This cartoon character was basically created along with other characters including her Papa, Mama, her boyfriend Dear Daniel, Cinnamonroll, Mory, Tippy the Bear, Chococat, Deery Lou, Thomas, ChiChai, Mimmy, Monchan, Cathy, Chibimaru, Jodie the Dog, Tim and Tammy, Badtz Maru, Jody, and a whole lot of other characters. Hello Kitty was first introduced in Japan by Sanrio, a Japan-based company.

Hello Kitty – The History

When she was first introduced, however, Hello Kitty was nameless, but she was simply adorable that pretty soon Hello Kitty became popular among Japanese school girls. The character’s image began to appear in lunch boxes, coin purses, bags, and a lot of other items. It was only a year later that she was officially given a name.

The rest of the world eventually caught the Hello Kitty fever, and soon, little girls walked around carrying Hello Kitty bags to school. The cartoon character captured the fancy of girls in countries like the United States and the Great Britain. It was easy because Hello Kitty actually lives in London and is, in fact, a British citizen.

Hello Kitty’s Rise to Fame

The popularity of Hello Kitty can also be attributed to the little details about this character which gave her life, like the fact that she likes her Mama’s apple pie; or that she likes to travel, read or listen to music; or that she likes making new friends and going out with them; or that she likes to eat cookies and collect stuffs like candies and goldfish.

Hello Kitty’s popularity gave way to her starring in several TV series in America and Japan where she played the lead role. There were also remakes of fairly tales where Hello Kitty once again played the lead role.

Nowadays, you could consider this feline as a fashion diva. Products with her images are being sold in more than 40 countries worldwide. She is featured in a wide range of products such as bags, electronic games, cars, vacuum cleaners, breath testers, beddings, camera, toys, purses, clothing – in fact, there is an estimated 20,000 products all exhibiting this feline’s image. Nowadays, Hello Kitty is featured in personal or customized checks.

If you’re a fan of Hello Kitty, you’d find a lot of stores online that offer printing of checks with Hello Kitty images on them. The prices vary from one online store to another, depending on the set and the number of boxes. Getting your own Hello Kitty check would be great way to make people smile. You just have to check with your bank though if they would accept a Hello Kitty check.

If you’re pretty manly, you might have second thoughts about getting this kind of checks. Although, Hello Kitty printed checks might be tad uncomfortable for you to take out, it would certainly be surprising and funny. Imagine the receiver’s expression once you hand him your Hello Kitty check. That would probably make his day.

For women though, paying your bills would be much cuter with Hello Kitty checks. You can also get variations of the Hello Kitty prints. They’re worth looking at every single day of your life. Perhaps, you could even get the Hello Kitty printed credit card after this.

There are a lot of people who have ordered and are using the Hello Kitty checks, and they are having a blast with them. A lot of people would compliment or positively comment on the checks. How could they not? These checks are meant to bring out a smile or two. They even have Hello Kitty checkbook covers to go along with the checks. It would be a wise idea though to keep the checks from your daughter, she might end up playing with them if she’s a Hello Kitty fan as well.

Resource: http://www.isnare.com/?aid=210317&ca=Finances

Cheap Mortgage Payment Protection Insurance Could Be Your Lifeline By Simon Burgess

As long as you understand what a policy entails and have checked the exclusions against your circumstances then a cheap mortgage payment protection insurance policy could be your financial lifeline. If you were to come out of work after suffering from an accident, illness or through unexpected redundancy then you would still have to find the money each month to repay your mortgage.

If you cannot continue repaying your mortgage then you stand to lose your home to repossession and you cannot rely on the State to step in and help. Even if you qualify for help from the State the financial assistance they do give is very little.

A cheap mortgage payment protection insurance policy could give a tax free income each month to ensure that you have the money needed to keep up with the mortgage repayments. If you are out of work continually for between 31 and 90 days then the policy would start to payout and would continue to do so each month for between 12 and 24 months.

However, while mortgage protection is an excellent way to safeguard the roof over your head it is not suitable for all individuals due to the exclusions. Common exclusions to all policies include suffering a pre-existing medical condition, those who are self-employed, retired or only working part time. Providers can add other exclusions so you do have to take the time to read the key facts of any policy you are considering taking out.

It is the exclusions which have caused the majority of mis-selling of payment protection or rather the lack of making the consumer aware that they exist. Problems began in 2005 when the Financial Services Authority stepped in and handed out fines to several high street names before the sector was referred to the Competition Commission by the Office of Fair Trading.

While changes for the better have been seen a recent review by the Financial Services Authority revealed that some firms are still failing in some areas. Recently the Chief Executive of a mortgage firm was handed a personal fine along with a company fine for failing to have the consumer’s best interest at heart. The Financial Services Authority will continue to crack down by handing out personal fines and in March 2008 they plan on introducing comparison tables. Tables will help the consumer to determine which cover would be the most suitable along with making them aware of the exclusions and how much the cover will cost.

With faith in the product having been lost this is leaving many homeowners without valuable cover and at risk of losing the roof over their head. Providing you shop with a standalone specialist in payment protection you will be given access to the key facts and all the information needed to make an informed decision regarding suitability. Along with this vital information you will also get quality cheap mortgage payment protection insurance you can count on to be your lifeline if you should be unfortunate enough to have to make a claim on it.

Resource: http://www.isnare.com/?aid=210609&ca=Finances

Tips On Preventing Identity Theft By Puripong Koomsin

The number of people that have been victimized by identity theft and credit card fraud is on the rise. Each year, the losses from these cases amount to hundred of thousands, if not millions of dollars. Because of the alarming costs and the steady increase in number of cases; firms that offer protection against the crime are also multiplying. These firms offer protection and assistance in the unfortunate event that a client does get entangled in an Identity theft and credit fraud dispute.

But the fact is, most people don’t need to resort to availing the services of such firms, as long as time is available and patience is practiced. Protecting yourself from identity theft can be as simple as being cautious to whom you give your personal information or something like setting up fraud alerts for your credit cards. Below are some tips that can help you prevent identity theft easily.

CAUTION – this is probably the foremost advice that is given to anyone when identity theft is talked about. Beware who you give your personal information to. Be careful about giving away credit card numbers and your social security numbers; even employee ID numbers and Passport numbers can be used in performing identity theft and fraud. Beware also of sending the mentioned numbers and details over unsecured email connections and even shady online stores.

NO TO PRE-APPROVED CREDIT CARDS AND JUNK MAIL – One of the main functions provided by some identity theft protection firms is to remove your name from the list of pre-approved credit cards and junk mail. This is done because some identity thieves can use this in getting your information. You can do this task by simply not responding to junk email and pre-approved credit card offer.

If you do want them to stop arriving, you can contact the customer support numbers listed on the mail that you receive. That way, you can request that they take your name off their list. This can be very taxing, but the result is that you no longer get pesky junk mail, plus you eliminate a potential source where thieves can get hold of your sensitive info.

ANTI-SPYWARE – Thieves getting your information via the web may seem like something straight out of a John Grisham novel, but it can indeed happen. More people have fallen victim to identity theft and credit fraud than in any other way. What is spyware you ask? Spyware is a Computer Software that is installed in your computer without you knowing. It can be installed manually – someone gets in physical contact with your PC. It can also be installed remotely; anyone anywhere can easily install a Spyware program just by using their own computer. You can also download Spyware unknowingly when you download unsecured shareware.

Spyware works by monitoring your activity on the computer and stealthily sending it to another. It can gather important information such as passwords, frequented sites, birth date and other personal info. This can be exploited by tedious hackers and use the data to represent you in fraudulent transactions.

Resource: http://www.isnare.com/?aid=210366&ca=Finances

Tips On Preventing Identity Theft By Puripong Koomsin

The number of people that have been victimized by identity theft and credit card fraud is on the rise. Each year, the losses from these cases amount to hundred of thousands, if not millions of dollars. Because of the alarming costs and the steady increase in number of cases; firms that offer protection against the crime are also multiplying. These firms offer protection and assistance in the unfortunate event that a client does get entangled in an Identity theft and credit fraud dispute.

But the fact is, most people don’t need to resort to availing the services of such firms, as long as time is available and patience is practiced. Protecting yourself from identity theft can be as simple as being cautious to whom you give your personal information or something like setting up fraud alerts for your credit cards. Below are some tips that can help you prevent identity theft easily.

CAUTION – this is probably the foremost advice that is given to anyone when identity theft is talked about. Beware who you give your personal information to. Be careful about giving away credit card numbers and your social security numbers; even employee ID numbers and Passport numbers can be used in performing identity theft and fraud. Beware also of sending the mentioned numbers and details over unsecured email connections and even shady online stores.

NO TO PRE-APPROVED CREDIT CARDS AND JUNK MAIL – One of the main functions provided by some identity theft protection firms is to remove your name from the list of pre-approved credit cards and junk mail. This is done because some identity thieves can use this in getting your information. You can do this task by simply not responding to junk email and pre-approved credit card offer.

If you do want them to stop arriving, you can contact the customer support numbers listed on the mail that you receive. That way, you can request that they take your name off their list. This can be very taxing, but the result is that you no longer get pesky junk mail, plus you eliminate a potential source where thieves can get hold of your sensitive info.

ANTI-SPYWARE – Thieves getting your information via the web may seem like something straight out of a John Grisham novel, but it can indeed happen. More people have fallen victim to identity theft and credit fraud than in any other way. What is spyware you ask? Spyware is a Computer Software that is installed in your computer without you knowing. It can be installed manually – someone gets in physical contact with your PC. It can also be installed remotely; anyone anywhere can easily install a Spyware program just by using their own computer. You can also download Spyware unknowingly when you download unsecured shareware.

Spyware works by monitoring your activity on the computer and stealthily sending it to another. It can gather important information such as passwords, frequented sites, birth date and other personal info. This can be exploited by tedious hackers and use the data to represent you in fraudulent transactions.

Resource: http://www.isnare.com/?aid=210366&ca=Finances

Apply For A Secured Bad Credit Personal Loan Now - Steps Easily Explained From A - Z By Kevin Garnett

Throughout time, there have always been the unfortunate people who simply could not handle their everyday expenses; maybe you're one of them. Does this sound familiar to you: Non repayment and bills wherever you look and they won't go away, so it seems! This ultimately results in bad credit for many people these days. For these folks getting a secured loan appeared like an impossible task a while ago.

Luckily, today there are solutions even for people who are suffering from bad credit. More and more lenders now realize that bad credit can happen to the best of people and so started developing secured loans to help even them in the hour of financial crisis.

There could be lots of reasons why you would want to apply for a loan. For instance, maybe you would like to buy a brand new car! But of course, in the back of your mind there's always this little voice saying: 'You can't afford that. Don't even think about it! C'mon, you've got a pile of bills waiting on you as soon as you reach home.'

However, as I said before, the good news is that now you can actually buy that new car, the new house or whatever it is you want to buy. This is all possible because of bad credit loans. Here are some of the options you have with bad credit loans:

Bad Credit:

- Home loan

- Fast loan

- Loan payday

- Instant loan

- Auto loans

- Mortgage refinancing

- Guaranteed loan personal

Now, let's get more into detail how you should actually go about when applying for a bad credit loan. A very good solution would be to do a proper research for a secured loan right here online. Look for the most competitive ones and pick out the one that suits you the best.

Again, please don't fall into the false believe that just because of your bad credit history a secured loan is simply not available to you. That couldn't be further from the truth. In fact, if you are the owner of a house or an expensive car you shouldn't have any problems at all getting a secured bad credit personal loan.

Don't despair, your current financial situation shouldn't be a hindrance for you. You just got to search the web harder for loans with bad credit and the rest will come upon you, rest assured.

Resource: http://www.isnare.com/?aid=117975&ca=Finances

Five Steps To Becoming Debt Free By Connie Barker

Debt can be the cause of lots of anxiety and stress for individuals and families. If you are experiencing debt or realize that you have borrowed more against your home or credit cards than you would like, here are five tips on becoming debt free.

Step 1. Start with a Budget

The key to becoming debt free, believe it or not is to realize that you are in debt. In order to determine how deep in debt you are, you should first create a budget that compares the amount of expenses you have each month to the amount of revenue (income) you bring in. By quickly computing the difference between your total monthly expenses and your revenue, you can determine first off if you are in debt and secondly, how much debt your in. Understanding your debt can help you both in the short term and long term. The deeper in debt, the more belt tightening you will need to do and usually the longer it will take you to dig yourself out of the hole.

Step 2. Cut Down on Expenses

After completing a budget, if you realize you are in debt, one of the easiest ways to dig yourself out of it is by cutting back on expenses. We all have expenses whether it is rent, car loans, transportation costs, coffee and snacks, etc. For many people that are in debt several thousand dollars, you can start getting out of debt by simply cutting back on the things you buy. There are necessities such as rent that must get paid, but most people have plenty of discretionary spending that they can cut back easily. For instance, instead of going out to eat four times per week, you can go out only once, or instead of buying a large coffee from your favorite café each morning, you can choose to drink the free coffee available at work.

Step 3. Generate More Revenue

If you realize that your are deep in debt, besides cutting your expenses, you may need to generate more revenue. The easiest way to generate more revenue is by getting a part time job, or finding a new full time job that pays a better wage. Obviously, generating more revenue is much tougher and time consuming than cutting back on expenses, so if you are moderately in debt, the idea of getting a part time job will definitely motivate you to keep your expenses and discretionary spending down.

Step 4. Pay More than the Minimum Payment

Believe it or not, one of the easiest ways to keep your debt manageable is to pay more than just the minimum payment for your credit cards each month. When you only pay the minimum payment each month, you are basically just paying off the interest and never touching the principle. To reduce debt substantially pay at least double the minimum or three to four times the minimum payment if you can afford it.

Step 5. Consolidate Your Credit Cards

Finally, if you find yourself with loads of credit card debt, each with high interest rates and minimum payments, one strategy to reduce debt is to consolidate all your credit cards into one simple loan. With this strategy, you end up with a lower interest rate, a specific payment each month and only one loan to pay back.

Resource: http://www.isnare.com/?aid=209820&ca=Finances

Five Steps To Becoming Debt Free By Connie Barker

Debt can be the cause of lots of anxiety and stress for individuals and families. If you are experiencing debt or realize that you have borrowed more against your home or credit cards than you would like, here are five tips on becoming debt free.

Step 1. Start with a Budget

The key to becoming debt free, believe it or not is to realize that you are in debt. In order to determine how deep in debt you are, you should first create a budget that compares the amount of expenses you have each month to the amount of revenue (income) you bring in. By quickly computing the difference between your total monthly expenses and your revenue, you can determine first off if you are in debt and secondly, how much debt your in. Understanding your debt can help you both in the short term and long term. The deeper in debt, the more belt tightening you will need to do and usually the longer it will take you to dig yourself out of the hole.

Step 2. Cut Down on Expenses

After completing a budget, if you realize you are in debt, one of the easiest ways to dig yourself out of it is by cutting back on expenses. We all have expenses whether it is rent, car loans, transportation costs, coffee and snacks, etc. For many people that are in debt several thousand dollars, you can start getting out of debt by simply cutting back on the things you buy. There are necessities such as rent that must get paid, but most people have plenty of discretionary spending that they can cut back easily. For instance, instead of going out to eat four times per week, you can go out only once, or instead of buying a large coffee from your favorite café each morning, you can choose to drink the free coffee available at work.

Step 3. Generate More Revenue

If you realize that your are deep in debt, besides cutting your expenses, you may need to generate more revenue. The easiest way to generate more revenue is by getting a part time job, or finding a new full time job that pays a better wage. Obviously, generating more revenue is much tougher and time consuming than cutting back on expenses, so if you are moderately in debt, the idea of getting a part time job will definitely motivate you to keep your expenses and discretionary spending down.

Step 4. Pay More than the Minimum Payment

Believe it or not, one of the easiest ways to keep your debt manageable is to pay more than just the minimum payment for your credit cards each month. When you only pay the minimum payment each month, you are basically just paying off the interest and never touching the principle. To reduce debt substantially pay at least double the minimum or three to four times the minimum payment if you can afford it.

Step 5. Consolidate Your Credit Cards

Finally, if you find yourself with loads of credit card debt, each with high interest rates and minimum payments, one strategy to reduce debt is to consolidate all your credit cards into one simple loan. With this strategy, you end up with a lower interest rate, a specific payment each month and only one loan to pay back.

Resource: http://www.isnare.com/?aid=209820&ca=Finances

Income Protection Could Save You Struggling Due To A Lost Income By Simon Burgess

If you were to lose you income due to suffering from an illness, if you were to have an accident or should be made unemployed by no fault of your own by such as being made redundant, then you could be left seriously struggling to find the money to carry on paying your essential outgoings. However there is a safety net which, providing you have checked the exclusion, could give you a replacement income - income protection.

It is imperative that you check the exclusions before buying income protection cover because the products do have exclusions which stop you from being eligible to make a claim. Some typical ones include if you are in part time employment, are of retirement age, suffer a pre-existing medical condition or are self-employed. Providers can put other exclusions in the small print so it is essential that you do check to make sure a policy would be suitable for your circumstances.

Providing it is, then income protection can be bought much cheaper with a standalone specialist provider, the insurance does vary greatly from lender to lender so you have to get several quotes and compare them. When looking for protection you need to not only compare the quotes but also look for the best cover that offers the least exclusions. Also check to make sure that cover will backdate to the first day you come out of work and that you will not have to pay any excess when you claim. If possible you should also check to make sure the provider is qualified to sell the cover and has had experience in selling payment protection products.

A good quality income protection policy will begin to payout from between day 31 and 90 and would then continue to payout between 12 and 24 months. The payout will be tax free and will give you the money so that you can continue living your lifestyle without many changes being made and would continue to pay your essential outgoings. The premium for income cover will depend on how much cover you want, you can usually cover up to a certain amount of your monthly income and this is stated at the outset. It will also depend on your age at the time of taking out the cover.

Income protection can benefit anyone who is not covered for health benefits by their workplace or who fear their savings would quickly dwindle if they were to rely on them in the event of becoming unable to work. But you do have to check to make sure you would be eligible to claim. Luckily an independent standalone provider should give you access to the exclusions which means that you would be able to make an informed decision after reading the exclusions and so have peace of mind that you be able to make a claim. Along with offering the key facts all ethical specialists should give free advice regarding the products they sell and provide a FAQs page which answers a variety of general questions.

Resource: http://www.isnare.com/?aid=210612&ca=Finances

What You Need To Know About Savings For Your Retirement By Bob Freeman

Far too many people put off savings for their retirement until they are in their 30’s or 40’s. The best time to start saving is with your very first paycheck! For many, putting off saving for retirement has little to do with having enough money to put away.

Far too many people put off savings for their retirement until they are in their 30’s or 40’s. The best time to start saving is with your very first paycheck! For many, putting off saving for retirement has little to do with having enough money to put away, and more to do with understanding all of the plans - and benefits - their employer offers.

What’s the first step to starting your own retirement plan? Start here:

Step One: Know Your Options

Maneuvering through the maze of retirement plan options may seem daunting at first, but remember, there are really only three different kinds of savings plans available:

· Employer-Sponsored plans, like the 401K or Simple IRA both allow employees to save a certain percentage of their salary before taxes. Oftentimes, employers even match the contribution up to a certain percentage, giving the employee even more 'free' money for retirement.

· Personal Savings plans, are plans that you set up yourself, in addition to employer-sponsored plans, to allow you to save even more for retirement. A conventional IRA allows you to contribute up to $3,000 every year and deduct it on your taxes. Roth IRA’s are not tax deductible, but the money withdrawn at retirement is.

· Self-Employment plans, are plans designed for people who work for themselves. They allow you to take up to 25% of your salary (max: $40,000), and put it in a tax-deferred savings plan.

Step Two: Determine Your Eligibility

Once you know what type of retirement savings plans your employer offers, it’s time to find out what their regulations and restrictions are. Some employers require you to work for the company for a set period of time before they will allow you to enter into a program. Others may have income or contribution limits. Still others require you to be vested before you can keep their contributions. Check with the Human Resources Department for details.

Step Three: Ask About Matching Contributions

Who doesn’t love getting free money? While some more generous companies match an employee’s contribution dollar for dollar, others may only match half that amount or less. The law requires companies who offer standard 401K plans to match contributions by 3%.

Step Four: Choose Your Portfolio

Understanding how these retirement plans work can be confusing enough, but once you sign up for one, you’ll have to choose where your money goes. Most plans allow you to choose your portfolio (what your money will be invested in). Most experts agree a good mix of stocks, bonds and cash is the safest for long-term investing.

Step Five: Understand the Tax Advantage of Saving for Retirement

The most common reason people fail to save for retirement is that they simply don’t have the money. But consider this: the money you put away through an employer-run plan is tax-free. That means your contribution is taken out of your paycheck before taxes. So, if you contribute $25 a week into your retirement plan, your taxable income is reduced by more than $1,200 a year! That means you’re really only paying about $19 or $20 - not the whole $25! Plus, in most cases, your employer is also kicking in a matching contribution, which means for every $50 you may be saving for your future, you’re really paying less than $20-and on top of that it earns interest too!

Step Six: Avoid early Withdrawals

It may be hard to leave that money sit untouched when hard times strike, but unless absolutely necessary don’t dip into your retirement savings before the age of 59 1/2. Not only will it dramatically reduce what you have for your future, but you’ll pay hefty penalties for early withdrawal.

Resource: http://www.isnare.com/?aid=156457&ca=Finances

How To Compare Low Cost Car Insurance In West Virginia By Alexis Jensen

Comparing car insurance in West Virginia used to be a time-consuming task that required you to contact every insurance company individually by phone or by mail and hope that they would give you the information you had requested.

Today, thanks to the internet, making price comparisons in order to find low cost car insurance in West Virginia is a relatively simple matter. But before you get online and start making random comparisons you might do well to read this article first so you can learn ways of filling out the forms on those comparison websites so you'll save the most money possible.

For example, did you know that keeping your car in a garage at night will save you money?

Did you know that keeping a clean driving record, with no speeding tickets or other moving violations will also save you money month after month?

Did you know that using public transportation as often as possible and driving less can also save you money? If you can drive 500 miles or fewer each month you could qualify for a special Low Mileage Discount.

Did you know that buying a simple steering wheel locking device could save you money on your car insurance every month? Ask your agent which simple and inexpensive anti-theft devices will save you the most every month.

Did you know that carpooling can save you a bundle every month on your insurance? If you can cut the number of miles that you drive back and forth to work in rush hour traffic in half every month then you will save a considerable amount on your car insurance.

Did you know that if you retire or stop working for any reason you should let your agent know as that can also save you a bundle every month?

Did you know that young drivers can save a minimum of 5% every month just for staying in school and maintaining a 'B' grade average?

Did you know that paying for collision or comprehensive insurance on an old clunker that has little or no Kelly Blue Book value is a waste of your money?

Did you know that if you have towing as part of AAA or through a major credit card that you don't need to pay for towing on your car insurance?

Did you know that married couples can save money by listing the wife as the primary driver and the husband as the secondary driver?

Did you know that if you don't make any claims against your insurance company for six months to one year that you can get a break on the cost of your insurance?

Did you know that increasing your deductible can reduce your monthly car insurance payments almost instantly? Just don't go overboard and increase your deductible past the point which you can actually afford to pay it should you have a claim.

Did you know that you can save money buying your car insurance online? You can. However, don't get lazy and rely on just one car insurance price comparison website for all of your answers. If you're really serious about saving money then you'll want to check out the prices on a minimum of 3 different price comparison sites.

Also, it is very important that you enter the exact same information onto the form on all 3 comparison sites so that you are comparing the same car insurance policy each time.

Once you are done with your comparisons and you've reviewed your results, all that's left is for you to pick the best-priced policy and then sleep well each night knowing that you now know how to compare low cost car insurance in West Virginia and you are now saving money on your car insurance every month.

Resource: http://www.isnare.com/?aid=210583&ca=Finances

How To Save Money And Get Discount Automobile Insurance In Alabama By Alexis Jensen

You don't want to drive an automobile on any public roadway in Alabama without first purchasing automobile insurance. If you get caught driving without insurance in Alabama the penalties are severe and the fines can reach into the hundreds of dollars before you're back on the road.

Rather than risk being caught without automobile insurance why not look for ways to reduce how much you have to spend to insure the vehicle you have?

If you're thinking about getting a new vehicle, check with your agent first. Not all new vehicles are created equal in the eyes of an insurance company. Get a list of the lest-costly-to-insure vehicles before you make your next purchase.

If you can keep your car in a garage at night let your agent know as this will affect how much you pay for your insurance.

Drive legally at all times. If you get even one speeding ticket or other moving violation you can forget about getting the best price on discount insurance for at least 3 years. If you are convicted of a DWI or a DUI then forget about finding even a reasonable price for your insurance for several years.

If you retire and are no longer driving your car to work every day let your agent know. You'll get a good discount.

If you can use public transportation for the bulk of your 'driving' needs and you can keep your actual mileage down to around 500 or fewer miles per month then you will be in for a rather hefty Low-Mileage savings on your automobile insurance.

If you're under 25 you're automatically placed in a high-risk insurance category and you pay more for your car insurance. You can cut your rates somewhat if you are able to remain on your parents' policy and you can save even more on top of that if you stay in school and can keep up at least a 'B' grade average so you qualify for a Good Student Discount.

Older drivers may qualify to take a special driver's refresher course. If your company offers such a discount and you pass the course you can save 10% a month on your insurance.

If you drive an older car that isn't worth much you could save quite a bit of money each month if you dropped your comprehensive and collision coverage and used the savings to buy a new car.

Don't make small claims. Only use your insurance for a major accident and pay the small stuff from your own pocket. The longer you go without making a claim the less your insurance is going to cost you.

Increase your deductible if you can afford it. You need to be careful doing this because the amount you choose for your deductible is the amount you will have to come up with out of your own pocket any time you file a claim, but the larger you can make your deductible the less you will pay for your automobile insurance.

Now go online and find at least 3 websites that let you compare the price of an automobile insurance policy between several different insurance companies. Using what you have learned from this article enter the same information into the form on at least 3 different comparison websites.

This way your comparisons will give you results that you can use, and all you need to do is to choose the company with the lowest price and you've done it! You've saved money and gotten discount automobile insurance in Alabama and you'll be saving money month after month for a long time to come.

Resource: http://www.isnare.com/?aid=210580&ca=Finances

How To Compare Low Cost Automobile Insurance In West Virginia By Alexis Jensen

If you're going to drive a vehicle on any roadway in West Virginia then you'd better buy automobile insurance. The consequences of driving without automobile insurance are far too costly, both in time and money, to make the gamble worthwhile.

Rather than risk being caught driving without insurance why not explore all of the different ways of comparing low cost automobile insurance in West Virginia and getting your car insurance at a price you can actually afford to pay?

For example, if you are in the market for a car it might pay you to consult with your automobile insurance agent first. The reason is because not all cars are equal when it comes to insurance costs - some cost a lot more to insure than others. Before agreeing to purchase a car which you are not going to be able to afford to insure, why not ask your agent for a list of the least-costly cars to buy insurance for?

The way you drive your car affects how much you pay for insurance more than any other single factor. If you collect speeding tickets or any other moving violation or if you have even one conviction for DUI or DWI then you can forget about finding the lowest-priced automobile insurance for at least 3 years.

Can you park your car in a garage at night? If so let your agent know as this will save you money.

Ask your agent if your insurance company offers a discount every month if you buy and use a steering wheel locking device. Talk to your agent about other simple, low-cost anti-theft measures that you can take that will save you cash month after month on your automobile insurance.

Drive less. Many people are now using public transportation for most of their 'driving' needs. If you can reduce your driving to under 500 miles per month you could qualify for a Low-Mileage Discount.

Carpooling at work can also save you money every month on your car insurance. Part of your automobile insurance premium is based on the number of miles you drive to and from work every month. If you can cut the number in half by carpooling then your agent will see to it that your insurance rates are reduced.

If you retire from work or if you stop driving back and forth in rush hour traffic for any other reason then let your agent know. Your insurance rates will drop.

Pay your premium automatically out of your checking account each month. Automatic payments save your insurance company billing costs and they pass the savings on to you.

If you have medical insurance that's separate from your automobile insurance policy ask your agent if you could save money by canceling or reducing the Personal Injury Protection portion of your policy.

Don't pay for collision or comprehensive insurance on older cars that no longer have any Kelly Blue Book value. In fact, since your vehicle loses value every year, talk to your agent about reducing the amount of your collision and comprehensive coverage every year to correspond with the dwindling value of your vehicle.

Increasing your deductible will immediately lower the cost of your automobile insurance. Of course, increasing your deductible also obligates you to pay more cash out of your own pocket or purse should you have a claim, so don't agree to pay more than you can actually afford.

Do not make a lot of small claims. The longer you can go without filing a claim the better your rates will be.

The last thing you want to do is to find 3 different websites that will let you compare low cost automobile insurance in West Virginia. Don't rely on just one of these websites, as you won't see the prices from every car insurance company operating in West Virginia.

If you're serious about saving money then take the extra time and make your comparisons on a minimum of 3 different websites. Also be certain you use the information you have learned in this article and fill out all three forms in exactly the same way. Only by filling out the forms with the exact same information each time will you be comparing the same insurance policy across all three websites and saving the most money.

Once you have made your three comparisons then all that's left is to review your results and choose the least expensive automobile insurance policy. And that's how you compare low cost automobile insurance in West Virginia and find the best policy for you at the very best price.

Resource: http://www.isnare.com/?aid=210582&ca=Finances